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| Part 2 | The year 2025 was also challenging for banks. What can they expect in 2026? We discussed this with our experts Andreas Mach, Rainer Wilken, and Stefan Baumann. In the second part of our three-part expert discussion “Banking 2026,” we discuss the skills shortage in banks, the changing corporate culture, and the continuing geopolitical volatility.
banking.vision
The EBA/CP/2025/21 consultation paper provides significant impetus for the further development of the banking supervisory framework and defines clear expectations for institutions of all sizes. It aims to achieve greater proportionality, more streamlined procedures and closer integration of key elements of the SREP. At the same time, an effective, cause-orientated assessment is moving more into focus. This requires financial institutions to take action. This article provides an initial orientation on the key content and the regulatory thrust.
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The EU AI Act is the world’s first comprehensive regulation governing artificial intelligence (AI). With its risk-based approach, it aims to make AI safe, trustworthy and compliant. The 2025 regulation marks a turning point for the European AI landscape: what the EU AI Act has already changed, where challenges remain and what developments companies can expect in the coming years.
banking.vision
| Part 1 | The year 2025 was also challenging for banks. What can they expect in 2026? We discussed this with our experts Andreas Mach, Rainer Wilken, and Stefan Baumann. This first part of our three-part series “Banking 2026” focuses on the challenges and opportunities for banks in 2026 and the role that artificial intelligence can play in this context.
banking.vision
Impairment tests (PAAR) were a key focus of BaFin’s audits in 2025 and will continue to shape audit practice in 2026. In this article, we provide a concise overview of the regulatory context, the procedure model for a PAAR audit, and our experiences and observations from supporting institutions before and during the audit.
banking.vision
The government draft bill for the implementation of the Consumer Credit Directive (EU) 2023/2225 has been available since 3 September 2025. The scope of the previous general consumer loan law is being expanded to include, among other things, the regulation of „buy now, pay later“ schemes.
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The Open Risk and Reporting Platform (msg.ORRP) offers integrated data management that ensures a consistent and transparent database for risk management and regulatory reporting. This article explains the key aspects of data management and shows how these functions ensure data quality and effectively support users in their daily work.
banking.vision
Biodiversity is becoming an increasingly strategic issue in the financial sector. The decline in ecological diversity also has far-reaching consequences for banks.Find out why biodiversity is no longer a marginal issue for banks, what physical, transitional, and legal risks arise, and how data processes, regulations, and sustainable business models are responding to this.